Cheboygan County, Michigan: hazard risk
FEMA rates Cheboygan County's overall risk Relatively Low (score 59.5 of 100, higher than 59% of rated U.S. counties). Its storm record holds 241 events since 1950.
FEMA's rating for each hazard
These are FEMA's county-wide model ratings and this county's storm record. They are not an assessment of any property, address or building, and not insurance advice: a property's risk depends on its own elevation, construction and location.
FEMA gives each hazard its own rating, and a rating does not follow the score from one hazard to the next: a hazard with a higher score can carry a lower rating than another. The table sorts by FEMA's rating, then by score (0 to 100, the county against every other county for that hazard).
| Hazard | Risk rating | Score | Expected annual loss |
|---|---|---|---|
| Riverine Flooding | Relatively Moderate | 77.9 | $13M |
| Cold Wave | Relatively Moderate | 69.7 | $1.5M |
| Landslide | Relatively Low | 67.2 | $3K |
| Lightning | Relatively Low | 48.1 | $158K |
| Hail | Relatively Low | 36.1 | $111K |
| Strong Wind | Relatively Low | 17.1 | $108K |
| Coastal Flooding | Very Low | 37.2 | $8K |
| Tornado | Very Low | 25.8 | $279K |
| Wildfire | Very Low | 25.3 | $8K |
| Hurricane | Very Low | 24.5 | $6K |
| Winter Weather | Very Low | 23.8 | $16K |
| Heat Wave | Very Low | 21.3 | $51K |
| Earthquake | Very Low | 11.4 | $8K |
| Ice Storm | Very Low | 6.4 | $2K |
| Drought | No Rating | 0.0 | $0 |
Source: FEMA National Risk Index, December 2025 release. A model of future loss, not a count of past events. FEMA's National Risk Index map.
What the record holds
| Hazard | Records | Deaths | Damage | Rank in state | Rank in U.S. |
|---|---|---|---|---|---|
| Winter storms | 118 | 1 | $522K | 35th of 83 | 918th of 3,077 |
| Severe thunderstorm wind | 62 | 0 | $460K | 68th of 83 | 2476th of 3,080 |
| Hail | 22 | 0 | – | 80th of 83 | 2686th of 3,080 |
| High wind and dust storms | 11 | 0 | $166K | 59th of 83 | 2037th of 3,080 |
| Extreme cold | 9 | 0 | $6.4M | 40th of 83 | 1576th of 3,076 |
| Tornadoes | 7 | 0 | $183K | 61st of 83 | 2428th of 3,080 |
| Floods | 4 | 0 | $38K | 70th of 83 | 2892nd of 3,080 |
| Lightning | 3 | 0 | $120K | 28th of 83 | 1369th of 3,080 |
| Drought | 2 | 0 | – | 15th of 83 | 2338th of 3,063 |
| Heat | 2 | 0 | – | 51st of 83 | 2104th of 3,076 |
| Rip currents and high surf | 1 | 1 | – | 17th of 83 | 207th of 2,080 |
Source: NOAA NCEI Storm Events Database, 1950 to 2026-06-30; damage in 2025 dollars. Search the record at NCEI.
The full Cheboygan County record: every hazard by year and month, the deadliest events and FEMA's declarations.